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2018 Medical Plan Changes
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Employers are required to provide certain notices to employees to inform them of their rights to certain benefits and provisions.
Since Farm Credit Foundations and its affiliated employers are Government Sponsored Entities (GSE), many of the required notices do not apply to Farm Credit. Therefore, these notices are being distributed voluntarily.
When key parts of the health care law take effect in 2014, there will be a new way to buy health insurance: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the new Marketplace and employment-based health coverage offered by your employer.
View Marketplace Exchange Notice
The employers participating in the Farm Credit Foundations Benefit Plans voluntarily offer employees and their families extended medical, dental and vision coverage (called
“Continuation Coverage”) at group rates in certain instances where coverage under the group plans would otherwise end. This notice is intended to summarize the continuation coverage provisions.
View Notice of Continuation Coverage
This notice describes how medical information about you may be used and disclosed and how you can get access to this information.
View Notice of Privacy Practices
Although the Farm Credit Foundations Medical Plan (the “Plan”) is a governmental plan that is maintained by employers that are federally chartered instrumentalities of the United States and, as such, is not subject to many of the requirements of the Patient Protection and Affordable Care Act (“PPACA”), the Plan believes that it satisfies the requirements for a “grandfathered plan” within the meaning of Section 1251 of PPACA. Grandfathered plans are subject to a delayed effective date for certain changes that will be required by PPACA and, in some cases, are fully exempt from those requirements for as long as the plan’s grandfathered status is retained.
If you are eligible for health coverage under the Farm Credit Foundations Medical Plan (the “Plan”) but are unable to afford the premiums, some states have premium assistance programs that can help you pay for coverage. These states use funds from their Medicaid or Children’s Health Insurance Program (“CHIP”) programs to help people who are eligible for employer-sponsored health coverage but need assistance in paying their health premiums.
If you have had or are going to have a mastectomy, you may be entitled to certain benefits under your health care plan as a result of the Women’s Health and Cancer Rights Act of 1998 (“WHCRA”). For individuals receiving mastectomy-related benefits, coverage will be provided under the plan, in a manner determined in consultation with your attending physician, for each of the following:
These benefits will be provided subject to the same deductibles and co-insurance applicable to other medical and surgical benefits provided under the plan.
If you or a dependent is enrolled with coverage under the Farm Credit Foundations Medical Plan (the "Plan") you are receiving "creditable" prescription drug coverage under an employer-sponsored group health plan.